Drive Deposits and Loyalty with EWA

Earned Wage Access for Financial Institutions

Clockout® enables your consumers to access earned wages before payday, right from your banking app. It’s a proven magnet for direct deposits, helping you grow balances while empowering consumers.

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Trusted by industry leaders in financial services

Hand holding a smartphone displaying a banking app with account balance, earned wage access, and recent transactions.

Effortless Integration

Embed EWA Directly Into Your Mobile Banking Experience

Clockout® integrates seamlessly with your existing mobile and online banking platforms, providing a frictionless experience that requires minimal lift from your team.

1 Native Mobile Banking Access

Embedded directly within your bank’s mobile and online banking experience.

3 Advance Earnings

Your consumers access a portion of earned wages instantly, without waiting for payday.

4 Real-Time Earnings Tracking

Your consumers view earnings, advances, and repayment activity in real time here.

2 Seamless In-App Enrollment

A fast, intuitive enrollment process with no paperwork or friction. Your consumers will only need their payroll credentials.

Front view of a black smartphone with a blank screen and a pill-shaped cutout at the top center for the front camera and sensors.

Mobile banking app screen showing account balance $1,175.01 in checking account, options for Transfer, Deposit, Pay, Early Pay, earned wage access enrollment, and recent transactions.

Front view of a dark blue smartphone with a pill-shaped cutout at the top center of the screen.

Mobile screen prompting user to link payroll to access earned wage, with Link payroll account button and Continue and Contact Support options.

App screen showing Amazon connected with $96.60 available for pay period Jan 15 to Jan 28 and a blue Advance button, plus options to view activity and manage jobs, and recent earnings of $150.

Screen showing an Amazon account with $74.61 available to advance for the pay period Jan 15 to Jan 28; recent activity includes a $21.99 advance on Jan 16 and $150 earnings today.

Benefits to Financial Institutions

Turn Earned Wage Access into a Revenue Driver

Earned Wage Access is one of the fastest-growing fintech products; deploy it through your institution and capture the revenue before your competition does.

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Close-up of person holding and using a smartphone with a clear protective case.

Form section titled 'Switch Your Direct Deposit' with a dropdown menu showing 'Checking Account - XXXX3213' selected.

Activate Direct Deposits

Incentivize consumer to switch their direct deposits into your bank.

Hand holding a smartphone displaying an Advance Pay app screen with a $125.00 advance amount, checking account details, and options for instant or 2-5 days fund speed.

Advance Speed options showing Instant transfer for $2.00 and 2-3 business days transfer for free.

Generate Non-Interest Income

Generate fee-based revenue for every advance your consumers make

Smiling couple sitting on a gray sofa looking at a tablet together in a bright living room.

Interface section titled Use Earned Wages with options to Save for a rainy day and Invest for the future, each with a blue Explore button.

Cross Sell Products

EWA users interact with your institution more frequently, creating natural moments to introduce auto loans, mortgages, and deposit products.

Experience Our Service

Seamless EWA
deployment options

Select your Digital Banking Provider:

Fully embedded into your existing mobile banking platform

Seamless user experience with your branding

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Mobile banking app showing account balances for Primary Checking $542.43, Simple Checking $234.98, Primary Savings $834.09, and YourBank Early Pay $1,984.12 with navigation menu below.

Mobile banking app screen showing two checking accounts each with $1,832.75 available balance and $786.81 current balance, and a YourBank Early Pay with $435.33 available for Nov 1 to Nov 15 pay period.

Mobile banking app screen greeting Michael, showing checking account with $1,175.01 available, buttons for Transfer, Deposit, Pay, Early Pay, Earned Wage Access balance of $1,234.50 with Quick Advance option, and recent transactions including cinema, BBQ, utilities, and restaurant.

Configurations

Built around your Financial Institution's Risk Tolerance and Business Model

User Eligibility

Define which of your customer segments can access the service.

Earned Wage Access screen with a prompt to enroll today and a blue 'Enroll Now' button, plus a 'New service available' label.

Available Balance

Set how much your customers can advance from their already-earned wages.

Fee Structure

Set up your monetization strategy with per-advance fees or subscription models.

Mobile screen titled Advance earnings with options Instant advance costing $2.00 and Standard transfer which is free.

Error message with red exclamation icon stating Wage Advance Not Available and explanation that total advance amount for the pay period has been exceeded.

Guardrails

Define which of your customer segments can access the service.

Experience Clockout®

Ready to Bring Earned Wage Access to Your Consumers?

Join leading financial institutions offering their consumers on-demand access to earned wages, directly within your mobile banking app. Let's build a solution tailored to your institution.

Intro discovery call to learn about your EWA initiatives and goals

Deep dive into your institution's requirements and risk model

Get help onboarding

Trusted by industry leaders in financial services